ACH Return Rates

Juan Cahue

June 07, 2018 18:50

Updated

NACHA operating rules include a set of thresholds for ACH Network return rates. These thresholds are outlined in the NACHA’s “ACH Network Risk and Enforcement” rules and are in place to help manage the quality of service provided by the network and to identify problematic and poor-quality origination activity. While some level of returns, including for funding-related issues such as insufficient funds, may be unavoidable, excessive total returns also can be indicative of problematic origination practices.

Each month Debt Pay Gateway will send out a report showing each company’s 60 day return rate broken down by unauthorized, administrative, and overall returns to help companies manage their returns and keep them below the required threshold.